Applications / Mortgage Analytics / Lenders / Wisconsin / Cleveland State Bank
Cleveland, WI · State non-member bank · FDIC · $232 million assets · 108 loans in 2025
Cleveland State Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
108
loans originated, 2025
116
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Cleveland State Bank, a Wisconsin lender, raised its loan count by 37% in 2025 and gained ground in Sheboygan, its largest market.
It made 108 loans, up from 79, while similar lenders (state non-member banks making between half and twice as many loans) grew by 9% and the whole market by 10%. Its growth was faster than about eight in ten of them. Refinances made up 48.1% of its loans and purchases 35.2%.
In Sheboygan it ranks 11 of 201 lenders, and its share rose to 2.2% from 1.4%. Bank First and Kohler Credit Union lead there. It also gained in Fond du Lac, to 0.4% from 0.2%.
32.2% of its borrowers had low or moderate incomes (LMI), against 27.6% at similar banks, higher than about two-thirds. Only 3.7% of its loans were in LMI neighborhoods, against 18.3%, and none in majority-minority areas. Its lending sits in ten Wisconsin counties, and how many such areas they hold may shape both figures.
Its 108 loans compare with 445 in 2020, and its total fell every year from 2021 to 2024. Refinances are still its largest purpose, so its totals may rise and fall with demand for refinancing; the figures do not show the cause.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Cleveland State Bank took 116 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 48.1% · Purchase 35.2% · Other 11.1% · Home improvement 5.6%
Conventional 100.0% · of 108 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Wisconsin | 108 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Sheboygan | 79 |
| Fond du Lac | 5 |
| Appleton | 4 |
| Milwaukee-Waukesha | 2 |
| Green Bay | 1 |
| Wausau | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300O3HNZKCYCYJK98 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 48440 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 39517 | 2006–2017 |
Established 19 April 1907. Reported under HMDA 2006-2025.
Mergers, name changes, data editions and corrections: Cleveland State Bank's data.
Cleveland State Bank's data
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Cleveland State Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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